Bilt
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
21,000 points a year at 1.25¢ = $263, minus the $95 annual fee = $168 a year.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 3× Bilt Rewards | none |
| Flights, hotels and transport | 2× Bilt Rewards | none |
| Groceries | 1× Bilt Rewards | none |
| Everything else | 1× Bilt Rewards | none |
3x on dining, 2x on travel, and points on rent with no cap — the rent earning is the reason to hold it and is not in these figures.
Bilt Rewards points are worth about 1.25 cents each on our published table, our own. What Bilt Rewards points are worth →
Credits count for $0 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page.
We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.